What happens if I don’t pay back the money I have borrowed on my credit card?

If you are unable to keep your payments up to date you should contact us as soon as possible on 0800 056 1411 (Monday to Friday 8am – 9pm or Saturday 9am – 1pm) as we may be able to help you.

If you don’t contact us and don’t make any payments the following may happen:

  • Your Credit rating may be adversely affected.
  • Fees will continue to be charged to your account increasing the amount you owe.
  • Your account may be referred to a Debt Collection Agency.
  • The full balance on your account may become immediately due & payable.
  • Your account may be sold to a Debt Purchaser who will actively pursue the debt.

If it's difficult to talk to us you can always speak to an independent organisation for free, confidential and impartial advice.

Step Change Debt Charity: who can take an independent look at your financial situation and find a way for you to manage your debts.  You can call them on 0800 138 1111 or visit www.stepchange.org.

Other independent organisations offering free advice include:

Citizens Advice Bureau: For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book) or go to www.adviceguide.org.uk (England & Wales), www.cas.org.uk (Scotland) or www.citizensadvice.co.uk (Northern Ireland).

National Debtline: If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.co.uk for debt advice and information.

My Money Steps: Money Steps is a new website where borrowers can get access to straight forward advice, information and the practical support they need to help them manage their borrowing and take control of their finances. It is free, impartial and backed by the Money Advice Trust and Barclaycard. Visit www.mymoneysteps.org

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